Which exclusion applies to all sections of a motor insurance policy?

Driving with an expired license is an exclusion that applies universally across all sections of a motor insurance policy. This exclusion stems from the premise that driving legally is a fundamental requirement for the validity of insurance coverage. If the driver is not properly licensed, the insurer has grounds to deny coverage for accidents or incidents occurring while driving under those circumstances.

In contrast, using the vehicle for personal use only typically pertains to specific usage clauses that might be relevant in some sections of a motor policy, but this limitation is not universally applicable. Similarly, coverage for loss from natural disasters may be included in some policies but is often contingent upon specific conditions rather than being a straightforward exclusion. Lastly, the requirement for a police report for theft claims can vary by insurer, and while it may be common, it is not a definitive exclusion applicable to all policy sections.